160 Private Global Wrap Account (PGWA) - your answer to offshore investment 离岸投资

160 Private Global Wrap Account (PGWA) - your answer to offshore investment 离岸投资

We have customers who:-

(1) have savings oversea, e.g. people working in Singapore or HK but no time to do investment in their office hours

(2) want to invest their overseas saving but they are now staying in Malaysia

(3) want to build children's education funds in other currencies

(4) want to invest in overseas shares / ETF / unit trust

Overseas vs Offshore

Before explaining PGWA, it's very important to differentiate overseas and offshore. I use unit trust funds as example. In Malaysia, many of us invest in overseas funds (eg China funds) to diversified our portfolio. However, even though it is overseas fund, it is still investment in Malaysia and in MYR, the money is still in Malaysia.

For offshore unit trust funds, we are investing in funds outside of Malaysia. Example unit trust funds in Singapore market or US markets. The money is outside of Malaysia.

Using example of a person having savings in Singapore:-

(1) If he want to buy China funds in Malaysia, he has to move the money back into Malaysia, convert into MYR, then only he can invest.

(2) He has another options of buying China funds in Singapore without moving money back into Malaysia. This way his money is still in Singapore.

What is PGWA?

PGWA is our answer to people who want to invest his money that is outside Malaysia, or parents who want to build education fund in SGD or USD or AUD etc.

Comparing of buying shares / ETF, it may be cheaper to use Phillip Securities Singapore's platform than local investment banks platform. And we can reach out to so many stock exchanges.

In terms of unit trust, I can suggest more funds for clients like Taiwan fund or Korea fund. In Malaysia, we can only invest through Greater China fund or Asia Pac funds.

Why PGWA?

In PGWA, we have many PMA mandate that may be beneficial to investors.

Examples:-

PGWA - In this portfolio, investors can choose whether to invest in unit trust or shares available in Singapore or US other markets. Some of our customers buy Apple / Tesla shares etc.

PGWA PPM - In this portfolio, Phillip's fund manager will help investors to in shares in Singapore / HK / Thailand markets.

PGWA DWrap - For investors who are not comfortable investing in stocks, PGWA DWrap invest in a portfolio of unit trust funds that fund manager identified to be the best in the category.

So, imagine you are still working and you build your blue chips stocks or dividend stocks. By the time you retire, you can transfer all the shares into your personal CDS account and start getting those dividends.

PGWA suitable for you?

If you want to earn more for your offshore savings, you can invest it to grow without moving the money back to Malaysia.

Or you are parents who are planning for children's education fund in say SGD or USD, start by investing in offshore unit trust / shares directly in that particular currency to avoid future currency exchange rate loss.

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160 Private Global Wrap Account (PGWA) - 离岸投资方案

我们的顾客当中，有的:-

(1) 在国外有储蓄，例如那些在新加坡或是香港工作的，但无法在工作时间做投资

(2) 想投资他们在国外的储蓄但却住在马来西亚

(3) 想为孩子准备其他钱币的教育基金

(4) 想投资外国的股票/ETF/信托基金

国外 vs 离岸

解释 PGWA 前，先来分别国外跟离岸的区别。我以信托基金来做例子。在马来西亚，我们很多人都有投资国外基金（如中国基金）来分散风险。但是呢，虽然是国外基金，其实呢那个投资还是在国内并以马币计算，钱仍然在国内。

而离岸基金呢，我们是投资在存在于国外的基金。例如在新加坡、或美国市场的销售的信托基金。钱是在国外的。

比如某位在新加坡拥有储蓄的人:-

(1) 如果他想买在马来西亚的中国基金，那他就必须把钱从国外移回马来西亚，转换成马币，之后才能投资。

(2) 他还有另一个选择就是买新加坡销售的中国基金。如此，他的钱仍旧在新加坡。

什么是 PGWA?

PGWA 是给投资者的方案，来帮助他们投资于国外（离岸），或是父母为孩子建立新币、美元、澳币教育基金。

买卖股票 / ETF 来讲，或许通过 Phillip Securities Singapore' 平台会比较划算。且可以投资更多的股市。

以信托基金来讲，我可以建议更多的基金比如台湾或南韩基金。而在本地，我们只能投资大中华或亚太基金。

为何考虑 PGWA?

透过 PGWA，我们有几个组合供投资者参考。

例如:-

PGWA - 这个组合让投资者有机会投资于新加坡或美国等的信托基金、股票。有顾客买了 Apple / Tesla 股等。信托基金跟股票、ETF在同一个户头喔。

PGWA PPM - 这个组合让辉立的基金经理把投资者的钱投资在新加坡、香港、泰国股票。

PGWA DWrap - 对于较不能接受股票的投资者， PGWA DWrap 是基金经理帮投资者投资于一揽子的信托基金。

PGWA 适合你吗？

若是你想为在国外的储蓄赚取更多的财富，PGWA 平台让你免于把钱移回马来西亚。

又或者你想为孩子建立新币、美元的教育基金，现在就投资于离岸信托基金或是股票来避免将来要用到时面对汇率的损失。